Every membership includes your Credit Representative authorisation (CRN), the Oxcel CRM and professional indemnity insurance — three costs most brokers pay separately. No lock-ins, no joining fees.
Asset finance only, or the full mortgage + asset combination — with a PLUS tier that pays 100% of everything you write.
All prices in AUD excluding GST. No joining fees, no exit fees, 30 days' written notice to change or cancel, subject to your membership agreement. For a detailed proposal, email rm@oxcel.com.au.
Your mentor reviews your files, joins your first client calls and builds your pipeline with you — while our structured compliance and sales training program takes you from Cert IV to confident, protected broker over 24 months. Included at no extra cost on every membership.
Over 77% of Australian consumer loans are now written through brokers, and MFAA industry data puts average gross annual broker earnings at $181,199 — more than double the median full-time salary. Here's how the numbers build.
Finance broking pays upfront on every settlement — lender commission plus a broker origination fee — and deals settle in days, not months, so volume compounds fast.
| Illustrative deal | Typical gross revenue* |
|---|---|
| Car loan — $45,000 consumer | $1,000 – $2,200 |
| Ute / light commercial — $75,000 | $1,800 – $3,200 |
| Equipment — $300,000 chattel mortgage | $4,500 – $9,000 |
| Business loan — $150,000 unsecured | $3,000 – $6,000 |
| 10 settlements / month | $15,000 – $28,000 /mo |
*Illustrative only, based on typical panel lender commissions and origination fees; before membership fees, GST and business expenses. Not a representation or guarantee of earnings you will or are likely to achieve.
Join Oxcel →A glance at the potential commissions a mortgage broker might earn per transaction — an upfront payment plus monthly trail for the life of the loan.
| Loan size | Commission (.65%) | Monthly trail (.15%) |
|---|---|---|
| $500,000 | $2,600 | $50 |
| $600,000 | $3,120 | $60 |
| $750,000 | $3,900 | $75 |
| $1,000,000 | $5,200 | $100 |
These figures serve as a guide and should not be seen as guaranteed earnings; they assume an average brokerage rate of 80% and do not account for operational costs or referral fees. On the PLUS membership you keep 100% of upfront and trail. Source: MFAA Industry Intelligence Service Report (average gross annual earnings $181,199).
Join Oxcel →Commissions are reconciled line-by-line against lender remittance by our automated disbursement engine — robust, repeatable and error-free by design.
Runs are processed weekly and paid within 48 hours of reconciled lender remittance, with every dollar itemised in your live dashboard.
See what the lender paid and what you keep on every deal — upfront, trail and clawbacks — matched to lender statements automatically.
| Inclusion | Asset Finance Broking — $399/mo + GST | Mortgage + Asset PLUS — $990/mo |
|---|---|---|
| Commissions | Competitive commission | 100% — no split |
| Credit Representative authorisation (CRN) | ✓ Included | ✓ Included |
| CRM & broker platform | ✓ AI-powered | ✓ AI-powered |
| Professional indemnity insurance | ✓ Included | ✓ Included |
| Vehicle, leisure, truck & equipment finance | ✓ | ✓ |
| Personal & business loans | ✓ | ✓ |
| Residential & investment home loans | — | ✓ |
| Commercial property & SMSF | — | ✓ |
| Structured mentorship (complimentary 2 years, new to industry) | ✓ | ✓ |
| Product training (almost daily) & structured weekly training | ✓ | ✓ |
| Tailored scenario support (AI + human) | ✓ | ✓ Priority |
| Live human support 9:00am–6:00pm | ✓ | ✓ |
| Weekly tech-based commission disbursement | ✓ | ✓ |
| Extensive lender panel (150+ lenders & partners) | ✓ | ✓ |
| White-label / own brand pathway | — | ✓ |
| Priority lender escalations | — | ✓ |
Request a detailed proposal and we'll model exactly what each membership leaves in your pocket at your volume — no pressure, just numbers.
Join Oxcel →Our Relationship Managers are here to understand your business, answer your questions and show you how Oxcel can support your success.
We value your time and look forward to connecting with you. Choose a time that works best and we'll take care of the rest.